"Hello and congratulations. You have recently applied for a payday loan and you've been pre-approved for a highest gold level. This entitles you to receive up to $1500. All funds are deposited into your account within one hour. To receive your funds simply visit www.dwyercashtoday.com and type in your VIP promo code of ****. This offer expires in 24 hours. Congratulations again." This is the message that was left on my voicemail. I haven't applied for a payday loan.